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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
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    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Vanquis Credit Card Old Debt - moorcroft pestering by phone day and night


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Well I have been receiving various calls from these muppets from different numbers, some just silent or nothing left on my voicemail.

 

This is becoming a regular occurrence and now receiving calls late evening and early mornings so yesterday I sent a harassment letter asking them to remove all contacts from their records and stop calling me.

 

Anyway today I answered the phone and spoke to 'Cheryl' nice girl but she started to bleat on about credit cards etc in which I stopped her in her tracks and mentioned about their constant calling and that I had submitted a relevant complaint.

 

She took the liberty to then inform that they can call me up to 8 times a day - is this correct or should I now submit a further complaint regarding this conversation ?

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If you have submitted a complaint in writing then they are duty bound to remove all telephone contact numbers.

 

I would like to know where she gets the idea they can call you 8 times a day, shame you did not record that?

 

Saying that it is a little early for that harassmant letter to kick in and be acted upon

  • Confused 1
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If you have submitted a complaint in writing then they are duty bound to remove all telephone contact numbers.

 

I would like to know where she gets the idea they can call you 8 times a day, shame you did not record that?

 

Saying that it is a little early for that harassmant letter to kick in and be acted upon

 

Thanks obiter dictum.

 

Yeah a missed opportunity but I can always request details if need be but I have a calls log list with times and dates anyway. She did not know what to say when I questioned it and asked for evidence that allows the company to do this.

 

I know about letter but I did take the opportunity to mention that it was on its way and that a copy has also been passed to relevant bodies who might be interested.

 

Watch this space :wink:

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Incorrect, there is no defined limit, however over 3 times a week for calls relating to sales or collection is excessive IMHO.

Next time they ring, record it and play along.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Incorrect, there is no defined limit, however over 3 times a week for calls relating to sales or collection is excessive IMHO.

Next time they ring, record it and play along.

 

Thanks fkofilee.

 

Hopefully there will not be a next time after receipt of my letter and other parties involvement.

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  • 5 years later...

Opened April 2015.

 

Got behind on payments in Sept 2017.

 

Vanquis contacted me to arrange repayment plan. Then received demand from Moorcrofts.

 

Account returned to Vanquis Case Manager October 2017. 

Interest frozen but no monthly payment plan agreed as no further correspondence received.

 

I have had no statements since Sept 2017?

 

Last payment October 2017.

 

I have checked Experian today and states that Credit Card in Default January 2018?

 

I have never received any details confirming this and I am a bit concerned what to do? Will I suddenly get something from them threatening legal / Court action?

 

Do I contact Vanquis or hang fire ?

 

Any advice would be appreciated.

 

 

  

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OC 's don't do court

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok dx yes you are right.

 

I am somewhat confused as to what is going on but details showing as default on Credit Report.

 

All communication including statements, e-mails, letters etc stopped around October 2017.

 

Do I just leave for now?

 

 

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as long as you've not moved since taking the card out then i expect they'll sell it on at some point

or could it be there is another issue like they should never had given you the card in the 1st place?

 

if your credit file was shot with defaults and you had lots of other debt there might be a case for an irresponsible lending claim?

 

tell us the story

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks again dx.

 

No I am still at the same address.

 

I used to get posted & emailed statements from Vanquis.

 

Also a letter from Moorcroft demandGing payment / plan.

 

Referred back to Vanquis as didn't want dealings with them.

 

Then they stopped? October 2017.

 

I recently checked my credit score and saw details on there. Intending to pay-off debt.

 

This and another 2 cards in which I have an arrangement with (all rather small amounts) appear on it.

 

Totally bemused dx

 

As per my old and new posts all correspondences have now ceased from all parties hence me raising issue again.

 

If defaulted in January 2018, surely I should have been notified?

 

 

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  • dx100uk changed the title to Vanquis Credit Card Old Debt - moorcroft pestering by phone day and night

Well send an sar then you have everything ready when they sell it to a dca

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx again as always.

 

I will send one to Vanquis as soon as possible.

 

Just intrigued as to what they will send.

 

Credit report states that default amount outstanding hasn't changed?

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why should it change?

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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